融资的过程,即是对货币资金进行配置的过程。在市场经济条件下,企业融资可以分为内源融资和外源融资两大类。文章从中小企业的内部和外部分别对其融资困难进行了分析。从理论上分析,中小企业融资的难题主要体现在信贷配给上,而这一难题产生于企业与资金供给方的信息不对称以及道德风险问题。 The process of financing, that is, the process of allocation of monetary funds. Under the condition of market economy, corporate finance can be divided into two types: internal financing and external financing. The article analyzes the financing difficulties of SMEs respectively from the inside and outside. From the theoretical analysis, the financing problems of SMEs are mainly reflected in the credit rationing, and this problem arises from the asymmetric information and moral hazard of enterprises and funding providers.